s Purchase 56.6% Mortgage Type Funded Purchase 227227 56.6% Refinance 43.4% Refinance 174174 76.6% 43.4% Conventional 308 Funded 129,570,393 23 5.7% $$Jumbo 129,570,393 $ 129,570,393 402 Dollars Dollars Loans Dollars Loans FICO Average 748 Loans 2017/20 : Funded loan Mortgage Type7 <600 600 - 650 18 Conventional 308 Conventional 308 Mortgage MORTGAGE TYPEType 650 - 700 38 23 Jumbo 23 Jumbo Conventional 308 FHA 44 FHA 700 - 750 93 23 Jumbo 750+ 246 24 VA VA FHA 44 RHS RHS Loan Amount243 VA 1.7% 4.5% 76.6% 76.6% 9.5% 5.7% 5.7% 76.6% 10.9% 23.1% 5.7% 61.2% 6.0% 10.9% 0.7% 6.0% 0.7% 3.2% Dollars $100k - $200k 84 20.9% Purchase 227 Purchase 227 56.6% Loan Purpose Loans Refinance 174 Refinance 174 43.4% $200k - $300k 125 31.1% Purchase 227 56.6% $300k - $400k 77 19.2% Refinance 174 43.4% $400k - $500k 47 11.7% $500k - $600k Conventional Yes Yes $600k - $700k Jumbo No No $700k+ FHA Yes VA No 308 FTHB 23 44 24 6.0% 102 102 76.6%25.4% 14 5.7%74.6% 3.5% 300 300 18 4.5% 10210.9%25.4% 300 6.0%74.6% State INCOME (MONTHLY) Income (monthly)* 24 FHA 44 10.9% FICO Loan State Purpose Average Average StateFICO STATE 748 748 <600 77 1.7% <600 1.7% Purchase 227 MA 203203 56.6% 50.5% MA Average 50.5% 748 600 - 650 18 4.5% 4.5% Refinance 174 25.1% FLFL 101101 43.4% 25.1% <600 7 1.7% 386.2% 9.5% NHNH 650 - 700 25 25 6.2% 9.5% 600 - 650 18 4.5% CTCT 20 20 5.0%5.0% FTHB 700 750 93 23.1% 23.1% 650 - 700 38 9.5% RI RI 16 16 4.0% 4.0% 750+ 246 61.2% 61.2% Yes 102 25.4% 3.2% GA 13 700 - 750 93 23.1% No GA 300 13 74.6% 3.2% ME 13 3.2% Loan Amount ME 750+ 13 2463.2% 61.2% 129,570,393 PA 10 2.5% PA Average 10 2.5% $ 322,314 State Loan Amount TX 1 0.2% 402 TX <$100k 1 13 0.2% 3.2% 3.2% MA 203 50.5% Average $ 322,314 20.9% $100k - $200k 84 20.9% 25.1% FL 101 <$100k 13 3.2% FICO25 NH FICO 6.2% $200k - $300k 125 31.1% 31.1% $100k - $200k 84 20.9% CT 20 Average 748 5.0% 19.2% $300k - $400k 77 19.2% RI 16 4.0% $200k--$500k $300k 31.1% <600 $400k 7 125 11.7% 47 1.7% 11.7% 3.2% GA 13 $300k - $400k 774.5% 19.2% 600 - $500k 650 18 24 - $600k 6.0% 6.0% ME 13 3.2% $400k - $500k 47 11.7% 700 9.5% PA 650 - $600k 10 38 2.5% - $700k 14 3.5% 3.5% $500k - $600k 24 6.0% 750 TX 700 - $700k+ 1 93 0.2% 4.5% 1823.1% 4.5% 14 750+ $600k - $700k 246 61.2% 3.5% $700k+Income (monthly)* 18 4.5% Own Up Profile Average $ 322,3143 RHS <$100k PURPOSE Loan Purpose13 LOAN Type FTHB FTHBMortgage FTHB FTHB 402 $VA 129,570,393 402 6.0% 24 Yes 25.4% Yes 102102 25.4% 402 0.7% RHS 3 74.6% NoNo 300300 74.6% profile with radius. RHS MA 3 203 0.7%50.5% MA 203 Average $State 11,485 25.1% FL 101 FL 101 <$5k 32 8.1% MA 203 50.5% NH 25 6.2% NH - $10k 25 6.2% Loan Purpose 162 $5k 41.2% 25.1% FL 101 CT 20 5.0% CT - $15k 20 5.0% $10k 119 30.3% Purchase 227 16 56.6% 4.0% NH 25 6.2% RI RI - $20k 16 4.0% $15k 44 11.2% Refinance 174 43.4% CT 20 5.0% 3.2% GA 13 3.2% GA 13 $20k+ 36 9.2% RI 16 4.0% ME ME *Income from 1003 App13 13 3.2% 1 only. 3.2% 3.2% GA 13 PA 10 2.5% FTHB PA 10 2.5% ME 13 3.2% PITI 1125.4% 0.2% Yes TX 102 TX 0.2% PA 10 2.5% $ 2,250.24 No Average 300 74.6% Funded $ Income (monthly)* Loan Amount Average $ 11,485 Average $ $322,314 11,485 Average Income (monthly)* <$5k 32 8.1% <$5k <$100k 13 32 3.2% 8.1% Average $ 11,485 $5k $10k 162 41.2% $5k - $10k 162 41.2% $100k$10k - $200k 84 119 20.9%30.3% <$5k 32 8.1% $15k $10k - $15k 119 30.3% $5k $10k 162 41.2% $15k $20k 44 11.2% $200k$15k - $300k 125 4431.1%11.2% - $20k 3619.2% 30.3% 9.2% $10k $15k $300k$20k+ $400k 77 119 $20k+ 36 9.2% *Income from 1003 1003 App 44 only.11.2% - $20k from $400k$15k - $500k 47App *Income 1111.7% only. FICO Average $322,314 322,314 Average $ <$100k Average 748 <$100k 13 13 3.2% 3.2% <600 $100k - $200k 7 1.7% $100k - $200k 84 8420.9%20.9% 600 - 650 18 4.5% $200k - $300k $200k - $300k 125 12531.1%31.1% 650 - 700 38 9.5% $300k - $400k $300k - $400k 77 7719.2%19.2% 700 - $400k 750 93 - $500k $400k - $500k 47 4723.1% 11.7%11.7% 750+ 246 61.2% $500k - $600k 24 24 6.0% 6.0% $500k - $600k LOAN AMOUNT $600k - $700k $600k -Loan $700kAmount14 $700k+ $700k+ Average <$100k $ 322,31418 13 14 3.5% 3.5% 18 4.5% 4.5% 3.2% Income (monthly)* $100k - $200k 84 20.9% Income (monthly)* Average $ $200k - $300k 125 Average $ 11,485 11,48531.1% <$5k 32 8.1% 8.1% $300k<$5k - $400k 77 3219.2% $5k - $10k 162 41.2% $400k - $500k 47 16211.7% $5k - $10k 41.2% $10k - $15k 119 30.3% - $15k $500k$10k - $600k 24 119 6.0%30.3% $15k - $20k 44 11.2% $15k $20k 44 3.5%11.2% $600k $700k 14 $20k+ 36 9.2% $20k+ 36 9.2% $700k+ *Income from 1003 App181 only. 4.5% *Income from 1003 App 1 only. PITI Income PITI (monthly)* PITI Average 2,250.24 Average $$ 11,485 $ 2,250.24 <$1kAverage 35 8.7% <$5k 32 8.1% <$1k 35 $1k--$10k $1.5k 65 16.2% 8.7% $5k 162 41.2% $1k $1.5k 65 93 $1.5k- $15k - $2k 23.1%16.2% $10k 119 30.3% $2k -$1.5k 79 93 19.7%23.1% $15k -$2.5k $20k- $2k 44 11.2% - $2.5k $2.5k$2k - $3k 59 7914.7% $20k+ 36 9.2% 19.7% $2.5k $3k 59 1 only. 5.2%14.7% $3k -*Income $3.5k from 1003 App 21 $3.5k$3k - $4k 21 21 5.2% 5.2% - $3.5k PITI $4k+$3.5k - $4k 29 21 7.2% 5.2% Average $4k+ <$1k $1k - $1.5k $1.5k - $2k $2k - $2.5k $2.5k - $3k $3k - $3.5k $ 2,250.24 35 65 93 79 59 21 29 8.7% 16.2% 23.1% 19.7% 14.7% 5.2% 7.2%